We often hear “it could never happen to me” or “I’ll sort it out later” or “I don’t need it” but statistics show that the unexpected could happen to any of us at any time.
In fact, chances are you know someone whose life has been adversely affected by illness. By having suitable insurance in place you can provide yourself and family with financial security at what would be a most tragic and challenging time.
Why not run your own personal Risk Report to see what the chances are of something happening to you? Based on population and industry statistics this can provide a guide as to what might happen in the future.
Your home is likely to be your most significant investment, so the last thing you would want is for something unexpected to put this at risk.
Protecting everything that is important to you doesn’t have to be complicated or expensive, and it will give you peace of mind that your home, belongings, income, health, and family are protected. Most of us protect our mobile phone or pets, so why not our home, health or even our life?
Our highly trained specialists can advise on more than just mortgages, ensuring that everything important to you is protected.
We can help you with life insurance, critical illness and income protection (personal sick pay), and search through a range of policies to find the one that suits you best from an extensive list of insurers.
A Life Insurance policy will pay a tax-free lump sum upon death. The payment will enable your partner to repay your outstanding mortgage and your family to continue in comfort and peace of mind during a distressing time.
Critical Illness Cover
If you are diagnosed with a critical illness during the term of the policy, you will receive a one-off tax-free lump sum, so won’t have to worry about how to pay your living costs while you are unable to work, receiving treatment or have additional health needs. Providers will cover more than 40 conditions, but the most common are cancer, heart attack, stroke, MS and children’s critical illness.
Our specialists will talk you through the conditions that are covered.
Sick Pay Insurance
If you are unable to work due to long-term illness or injury, your income protection insurance policy will pay out a tax-free monthly income to help compensate for your loss of earnings. It is essential so that you and your family can maintain a standard of living and quality of life while you are unwell.